U.S. Sen. Marco Rubio is one half of the legislative duo who recently introduced a bill designed to ease the pain of repaying college costs by bringing in Wall Street. Yet, this is another typical Beltway response — treat the symptom with a legislative Band Aid when what is needed is a major surgery on the entire structure of higher education to cut the exorbitant cost of college. Until we address the root cause of the problem, students will continue to graduate with big debts that not only burden them, but create a drag on the economy as a whole, as I explained in my previous blog.